Coverage
रु. 3 लाख (NPR 3 Lakh)
NPR
Description
Affordable medical insurance with critical illness coverage. Best for those looking for essential health protection at budget-friendly premiums.
Features
- Hospitalization cover
- Critical illness rider
- Cashless treatment
- Pre-existing disease cover after 3 years
Highlights
- Budget friendly
- Critical illness
- Essential cover
Riders
Critical Illness
Lump sum on critical illness diagnosis
Pros & Cons
Pros
- Most affordable health plan (Rs 7,500/yr)
- Includes critical illness rider
- Pre-existing covered after 3 years
- Good for young, healthy individuals
- Cashless treatment available
Cons
- −Lowest coverage amount (Rs 3 lakh)
- −No OPD coverage
- −No maternity or newborn cover
- −Limited hospital network
- −Basic coverage only
Coverage Breakdown
Hospitalization
Up to Rs 3 lakhCritical illness
Rider availableCashless treatment
At network hospitals−OPD
Not included−Maternity
Not included−Dental
Not included−Health checkup
Not includedClaim Process
- 1Cashless at network hospitals
- 2Reimbursement within 15 days of submission
- 3Simple documentation for claims under Rs 50,000
Eligibility
Age18 - 60 years
Policy Term1 year (renewable)